- Payments profitability intelligence platform Torus and international advisory company SRM have partnered to help acquirers recover billions of dollars by improving fee transparency.
- The partnership comes as a white paper from Torus highlights the challenges faced by acquirers due to growing fee scheme complexity and increased regulatory scrutiny.
- Torus most recently demoed its technology at FinovateEurope 2025 in London. SRM made its Finovate debut at FinovateFall 2023 in New York.
Payments profitability intelligence platform Torus and international advisory company SRM have teamed up to help acquirers recover billions of dollars through greater fee transparency. The companies’ new joint offering, the SRM/Torus Acquirer Profitability Solution, gives acquirers transaction-level scheme fee assurance, automated reconciliation, and merchant profitability analytics. The solution will help acquirers address growing pressures from rising operating costs, complex and ever-changing card scheme fee structures, margin compression, and greater regulatory scrutiny.
“By combining SRM’s deep advisory expertise with the Torus transaction-level analytics platform, we’ve created a solution that addresses one of the industry’s largest hidden profit leakage challenges,” Torus CEO Kirill Lisitsyn said. “Our customers are already demonstrating that significant improvements in profitability can be achieved through better fee assurance, stronger pricing governance, and automated analytics.”
The SRM/Torus Acquirer Profitability Solution delivers interchange and scheme fee assurance through automated, merchant-level calculation and recovery, helping minimize revenue leakage and boost billing accuracy. The offering provides daily transaction-level reconciliation between schemes and merchant settlement files, giving acquirers complete visibility into discrepancies and enhancing financial controls. The new solution also features comprehensive daily profitability analysis across merchants, portfolios, and segments. This facilitates better pricing decisions, more effective commercial performance, and stronger management reporting.
The new offering comes as SRM’s new white paper, “Transforming Acquirer Profitability,” reviews the current commercial pressures facing acquirers and highlights the flaws in traditional approaches to scheme fee management. The report explains why many acquirers continue to rely on manual processes and aggregated reporting, even as these methods provide limited visibility into profitability, require significant operational effort, and can still lead to revenue leakage.
By contrast, the SRM/Torus Acquirer Profitability Solution enables financial institutions to accurately allocate scheme fees, reconcile settlements, identify under- and over-recovery, and enhance pricing governance. Torus and SRM indicated that one mid-sized European acquirer using the technology has improved annual scheme fee recovery by €4 million, representing approximately 10% of total scheme fee costs. SRM’s report includes an economic analysis that suggests that acquirers could recover $1 billion in operational costs over the next five years. An additional $3 billion to $5.5 billion in fee revenue could also be realized as a result of more accurate and transparent oversight of the data.
“The economics of acquiring have fundamentally changed,” SRM Europe Managing Partner John Berns said. “Growing scheme fee complexity means that traditional reconciliation processes are no longer sufficient. Financial institutions need transaction-level visibility to understand where revenue is being lost, ensure fees are accurately recovered, and make better commercial decisions. Our collaboration with Torus enables these improvements.”
Headquartered in Vilnius, Lithuania, Torus most recently demoed its technology at FinovateEurope 2025 in London. Founded in 2021, the company offers a SaaS intelligence platform for banks and fintechs that enables them to boost profits on card transactions by up to 50%. Torus’ technology helps financial institutions analyze scheme fees, reconcile transaction flows, control unit-level profitability, and optimize pricing.
Making its Finovate debut at FinovateFall 2023, SRM is an international advisory and execution firm that enables financial institutions to add value in areas such as payments, digital transformation, core processing, digital assets, and overall operating efficiency. The company helps its clients modernize payments, shape enterprise strategy, and deploy transformative technologies to lower costs, create revenue opportunities, and increase productivity.
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